Exhibit 28D
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, National Association
FIRST CHICAGO MASTER TRUST II
Series 1995-O
July 10, 2002
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1995-O
Supplement dated as of June 1, 1995 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Class A Certificateholders and
the performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the July 15, 2002 Payment Date and with respect to the
performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of $1,000
Original Principal Amount)
1. The total amount of the distribution to Class A
Certificateholders on the Payment Date
per $1,000 interest. $84.138
2. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Class A Certificates, per $1,000 interest $83.333
3. The amount of the distribution set forth in
paragraph 1 above in respect of interest on
the Class A Certificates, per $1,000 interest $0.805
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
--------------------------
a. The aggregate amount of Collections of
Receivables processed for the Due Period with
respect to the current Distribution Date which
were allocated in respect of the Investor
Certificates of all Series $1,258,578,450.11
b. The aggregate amount of Collections of
Receivables processed for the Due
Period with respect to the current Distribution
Date which were allocated in respect of the
Series 1995-O Certificates $182,010,108.85
c. The aggregate amount of Collections of
Receivables processed for the Due Period with
respect to the current Distribution Date which
were allocated in respect of the Class A
Certificates $159,305,657.89
d. The amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Class A Certificates, per $1,000
interest $318.611
e. The amount of Excess Spread for the Due Period
with respect to the current Distribution Date $2,833,874.64
f. The amount of Reallocated Principal Collections
for the Due Period with respect to the current
Distribution Date allocated in respect of the
Class A Certificates $0.00
g. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1995-O
Certificates, if any $0.00
Series 1995-O
h. The amount of Excess Principal Collections
allocated in respect of the Series 1995-O
Certificates, if any $0.00
2. Receivables in Trust'
--------------------
a. Aggregate Principal Receivables for the Due Period
with respect to the current Distribution Date
(which reflects the Principal Receivables
represented by the Exchangeable Seller's
Certificate and by the Investor Certificates of
all Series) $13,325,948,054.32
b. The amount of Principal Receivables in the Trust
represented by the Series 1995-O Certificates
(the "Invested Amount") for the Due Period with
respect to the current Distribution Date $282,411,230.03
c. The amount of Principal Receivables in the Trust
represented by the Class A Certificates (the
"Class A Invested Amount") for the Due Period
with respect to the current Distribution Date $249,999,999.98
d. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1995-O
Certificates for the Due Period with respect to
the current Distribution Date 2.119%
e. The Invested Percentage with respect to Principal
Receivables for the Series 1995-O Certificates
for the Due Period with respect to the current
Distribution Date 4.288%
f. The Class A Floating Percentage for the Due Period
with respect to the current Distribution Date 88.523%
g. The Class A Principal Percentage for the Due Period
with respect to the current Distribution Date 87.500%
h. The Collateral Floating Percentage for the Due
Period with respect to the current Distribution
Date 11.477%
i. The Collateral Principal Percentage for the Due
Period with respect to the current Distribution
Date 12.500%
3. Delinquent Balances
-----------------------
The aggregate amount of outstanding balances in
the Accounts which were 30 or more days delinquent
as of the end of the Due Period for the current
Distribution Date $480,799,150.76
4. Investor Default Amount
---------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due
Period with respect to the current Distribution
Date allocable to the Series 1995-O Certificates
(the "Investor Default Amount")
1. Investor Default Amount $1,444,892.13
2. Recoveries $91,534.71
3. Net Default Receivables $1,353,357.42
Series 1995-O
b. The Class A Investor Default Amount
1. Investor Default Amount $1,279,067.52
2. Recoveries $81,029.63
3. Net Default Receivables $1,198,037.89
c. The Collateral Investor Default Amount
1. Investor Default Amount $165,824.61
2. Recoveries $10,505.08
3. Net Default Receivables $155,319.53
5. Investor Charge-offs.
-------------------------
a. The amount of the Class A Investor Charge-Offs
per $1,000 interest after reimbursement of
any such Class A Investor Charge-Offs for the
Due Period with respect to the current
Distribution Date $0.00
b. The amount attributable to Class A Investor
Charge-Offs, if any, by which the principal
balance of the Class A Certificates exceeds
the Class A Invested Amount as of the end of
the day on the Record Date with respect to
the current Distribution Date $0.00
c. The amount of the Collateral Charge-Offs,if
any, for the Due Period with respect to the
current Distribution Date $0.00
6. Monthly Servicing Fee
-------------------------
a. The amount of the Monthly Servicing Fee
payable from available funds by the Trust to
the Servicer with respect to the current
Distribution Date $58,835.67
b. The amount of the Interchange Monthly
Servicing Fee payable to the Servicer
with respect to the current Distribution Date $294,178.36
7. Available Cash Collateral Amount
------------------------------------
a The amount, if any, withdrawn from the Cash
Collateral Account for the current
Distribution Date (the "Withdrawal Amount") $0.00
b. The amount available to be withdrawn from the
Cash Collateral Account as of the end of the
day on the current Distribution Date, after
giving effect to all withdrawals, deposits
and payments to be made on such Distribution
Date (the "Available Cash Collateral Amount"
for the next Distribution Date) $5,714,286.00
c. The amount as computed in 7.b as a percentage
of the Class A Invested Amount after giving
effect to all reductions thereof on the
current Distribution Date 2.743%
8. Collateral Invested Amount
------------------------------
a. The Collateral Invested Amount for the
current Distribution Date $32,411,230.05
b. The Collateral Invested Amount after giving
effect to all withdrawals, deposits, and
payments on the current Distribution Date $25,908,339.88
9. Total Enhancement Series 1995-O
---------------------
a. The total Enhancement for the current
Distribution Date $38,125,516.05
b. The total Enhancement after giving effect to all
withdrawals, deposits and payments on the current
Distribution Date $31,622,625.88
C. The Pool Factor
- ------------------
The Pool Factor (which represents the ratio of the
Class A Invested Amount on the last day of the month
ending on the Record Date adjusted for Class A Investor
Charge-Offs set forth in B.5.a above and for the
distributions of principal set forth in A.2 above to
the Class A Initial Invested Amount). The amount of a
Class A Certificateholder's pro rata share of the
Class A Invested Amount can be determined by
multiplying the original denomination of the holder's
Class A Certificate by the Pool Factor 41.66666666%
D. Deficit Controlled Amortization Amount
- -----------------------------------------
1. The Deficit Controlled Amortization Amount for the
preceding Due Period $0.00
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, National Association
as Servicer
By: /s/ Michael J. Grubb
-----------------------------
MICHAEL J. GRUBB
Title: FIRST VICE PRESIDENT